Free Personal Automobile Policy Practice Questions
Alaska Casualty exam — 111 practice questions.
Subtopics: Personal auto defined, Auto cancellation reasons, Suspension lookback, New business period, Deductible changes, Auto cancellation notice, Assigned risk notice, Auto rate changes, Citation surcharges, Surcharge timing, Surcharge notice, Same-class rule, Short-term policy, Minimum limits, Territory, Compulsory insurance, Road-system exemption, Proof of insurance, Proof penalty, Accident proof, Accident proof deadline, Uninsured suspension, Future proof, DUI proof, Methods of proof, Certified policy cancellation, Self-insurance, Financial responsibility act, Absolute liability, Binder as proof, Permitted exclusions, Named driver exclusion, UM/UIM required, UM/UIM offers, UM/UIM waiver, Anti-stacking, UM coordination, Hit and run, UM property damage, UM exhaustion, Pedestrians and cyclists, UM exclusions, Punitive damages, Rental car coverage, Rental priority, Arbitration costs, Selections bind all, Assigned risk plan, Assigned risk appeals, Assigned risk agreements, Rideshare exclusion, Rideshare limits, Rideshare lapse, Rideshare disclosure, Rideshare surplus lines, Rideshare certificate, Auto total loss, Auto cancellation facts, Persons insured, Physical damage, Uninsured motorists, Medical payments, PAP structure, Your covered auto, Newly acquired auto, Family member, You and your, Part A exclusions, Supplementary payments, Out of state coverage, Other insurance, Part B medical payments, Part C uninsured motorists, Underinsured motorists, Part D collision vs OTC, Part D transportation expenses, Part D nonowned auto, Part D exclusions, Part D limit of liability, Part D appraisal, Part E duties, Policy territory, Part F termination, Part F two-or-more autos, Auto financial responsibility, No-fault concepts, Auto insurance plans, Part D coverage
Read the Personal Automobile Policy study guide
Sample questions & answers
1. For Alaska's auto cancellation statutes, a pickup truck can be personal automobile insurance if it is not used in the insured's business, not for hire, and has a load capacity of:
1,500 pounds or less
AS 21.36.310(3) defines personal automobile insurance to cover private passenger autos and other four-wheel vehicles with a load capacity of 1,500 pounds or less not used in business, for hire, or rented.
2. After the first 60 days, an Alaska insurer may cancel a personal auto policy mid-term only for nonpayment of premium or:
Suspension or revocation of a covered driver's license or registration
AS 21.36.210(a) limits personal auto cancellation to nonpayment or suspension/revocation of the license or registration of the named insured or a household or customary operator.
3. For an Alaska renewal auto policy, a license suspension can justify cancellation if it occurred during the policy period or within how many days before the policy's effective date?
180 days
AS 21.36.210(a)(2) covers suspensions during the policy period or, for a renewal, during its period or the 180 days immediately preceding its effective date.
4. Alaska's restrictions on reasons for canceling personal auto and other personal policies do not apply to a new (non-renewal) policy that has been in effect less than:
60 days
AS 21.36.210(d)(2) exempts policies in effect less than 60 days when the notice is mailed, unless it is a renewal.
Practice: Personal Automobile Policy
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
